30 years old couple, own a BTO flat near city area, bought cheap. Now value of flat has gone up by $400k.

We feel rich, buying a BTO flat is our best decision. Our total net worth is now $1m only, including our flat. After MOP, plan to buy a condo for investment. We expect this investment condo to appreciate by the time we retire in 35 years time. By 65, we should have a net worth of $4m at least. Not that great, but just average.